Important: As of 2021, Zopa is no longer in the P2P lending space, but they are still offering personal loans. You can still use this page to find and compare other P2P and personal loan lenders.
Alternatives to Zopa
Company | Description | Example Loan | |
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Borrow £1,000 to £25,000 over terms from 12 months to 60 months. Soft search facility means that checking your rates won't affect your credit score. FCA firm registration number: 722768. |
Representative example: Borrow £7,500 over 36 months at a rate of 18% p.a. (fixed) with £440.00 fees. Representative APR 22.9% and total payable £10,144.52 in monthly repayments of £281.79. |
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Borrow £5,000 to £25,000 over terms from 12 months to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 723151. |
Representative APR 9.9%. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR. |
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Borrow £500 to £35,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768. |
Representative example: Borrow £5,000 over 1 year at a rate of 3.9% p.a. (fixed) with no fee. Representative APR 3.9% and total payable £5,195.00 in monthly repayments of £432.92. |
What is Zopa?
Zopa’s online platform matches investors looking to earn bank-beating interest with borrowers looking to pay as little as possible on a loan. By cutting out the overheads associated with a traditional high street bank, Zopa aims to offer better rates to its customers.
Compare personal loan costs from a range of lenders
Before you take out a personal loan, it’s smart to read up and shop around. You can use the cost estimating tool below to see how much you’d be likely to pay for the loan that you have in mind from a range of popular lenders:
Finder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyFinder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyWith no guarantor
Finder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyWith a guarantor
Finder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyWith a guarantor who is a homeowner
Finder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyMore guides on Finder
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Abound personal loan (formerly Fintern loans) review
Abound (formerly Fintern) is a UK lender that promises to offer borrowing “reinvented”, with affordable tailored loans.
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Marks & Spencer loan calculator
Considering an M&S Bank personal loan? Use our calculator to work out how much you’ll pay back and how M&S holds up against the competition.
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Let our Novuna loans calculator do the work
Novuna (formerly Hitachi) Personal Finance is not a bank – it’s a simplified, online finance provider from Japan that makes instant decisions on personal loans. Check out whether Novuna could be the yin to your financial yang.
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Browse personal loan providers: A to Z list
Planning a large expenditure like some home improvements, a wedding or a new car? Looking to simplify existing debt? Then an unsecured personal loan could help you. Here are some popular UK lenders that we review and compare.
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Post Office loans calculator and review
Compare Post Office fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
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Tesco loans calculator and overview
Compare Tesco fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
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M&S personal loans calculator and review
Find out more about M&S unsecured personal loans of between £1,000.00 to £25,000.00 Enjoy a fixed rate, no setup fees and the option to defer repayments for the first three months.
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AA personal loans review
Find out all you need to about personal loans from the AA. Fast, simple comparison with a range of UK lenders.
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Halifax loans calculator and review 2025
Compare Halifax fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
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NatWest personal loans calculator
Compare NatWest fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.